Every feature DebtPilot AI ships with
Built to be useful from minute one — and grow with you across payoff, planning, coaching, and compliance.
Debt account management
Track every type of debt — credit cards, personal loans, auto, mortgage, student, medical, payday, BNPL, collections, tax, court judgments and more — with creditor, balance, APR, minimum, due day, status, and notes.
Debt dashboard
Total debt, total minimums, weighted-average APR, highest-interest account, smallest/largest balances, past-due count, credit utilization, payoff progress, and estimated debt-free date — all calculated from your real entries.
Payoff planner
Compare snowball, avalanche, hybrid, fixed-budget, target-date, cash-flow-protected, and AI-optimized strategies. Save plans, mark one active, recalculate after any payment.
Consolidation comparison
Loan and balance-transfer calculators with readiness score, side-by-side comparison vs. your current plan, and honest risk warnings — never guaranteed savings.
Budget & cash flow
Income, fixed and variable expenses, subscriptions, irregular-income mode for freelancers, safe-to-pay amount, and 6-month cash-flow forecast.
Reminders & calendar
Severity-aware reminders for payment due, statement closing, autopay, promo APR expiration, and balance-transfer expiration. Integrates with debt due dates automatically.
Tasks & weekly action plans
Manual or AI-generated weekly tasks, completion streaks, and coach- or agency-assigned tasks for clients.
Documents
Securely upload statements, collection letters, payment confirmations, and DMP agreements. Tag and link documents to debts.
Reports
Generate clean PDF reports for debt overview, payoff plan, consolidation comparison, monthly progress, and financial health — perfect for coaches and counselors.
Coach, agency & employer portals
Client management, DMP workflows, secure notes, and privacy-preserving employer aggregate analytics.
AI Agents as Skills
Ten skills — Debt Snapshot, Payoff Strategy, Consolidation Advisor, Budget Rescue, Bill Reminder, Credit Health, Negotiation Prep, Document Organizer, Debt Risk, Financial Coach — that work on your real numbers, never demo data.